Podcasts are an amazing strategy for building endow with your clients since they grant you to share your authority and data. It can similarly help you with getting an investigation from your group and show that you care about their necessities.
Ways of organizing podcasts used by an organization are :-
Associations embraced podcasting for sound or video messages that needn't bother with a live presence yet offer a heartfelt human face.
System to impart draw-out information that doesn't require affiliation.
It can also override costlier live video visits.
They are featured on media locales, association passageways, or shared on web diaries and long-range relational correspondence objections.
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a disadvantage of using credit as a source of liquidity is the a inconvenience of using credit. b potential cost of finance/interest charges. c acceptability of credit by creditors. d poor records available after credit use.
The correct answer to the question above is option B "potential cost of finance/interest charges"
The source of liquidity should be something that the company owns that is not from a credit or a company have no obligation to pay back. That is because if it is from a credit account that would leave the company with a bigger debt because of the potential of interest charges. source of liquidity can be from all resources that the company has that can be used to generate cash. It can be from selling the company cash or the company's assets.Learn more liquidity risk at: https://brainly.com/question/921670
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In your own words, explain what a bond is and how you would make money from it.
Cost of Goods Available can be calculated as:
答案选项组
A. Beginning Inventory + Purchases
B. Beginning Inventory - Purchases
C. Beginning Inventory + Purchases - Ending Inventory
D. Beginning Inventory - Purchases - Ending Inventory
The correct answer is C. Cost of Goods Available can be calculated by adding the Beginning Inventory to the Purchases and then subtracting the Ending Inventory.
This formula takes into account the inventory that was available at the beginning of the accounting period,
The additional inventory that was purchased during the period, and the inventory that remained at the end of the period.
By subtracting the Ending Inventory from the sum of the Beginning Inventory and Purchases,
you can determine the total cost of goods that were available for sale during the period.
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There are 4 external market forces known as PEST. Explain what
is meant by
Political and Regulatory, Economic, Social and Demographic
and
Technological and how each forces can impact business.
Note that the PEST analysis framework examines four external market forces that can impact businesses. See the explanation below.
What is PEST?Political and Regulatory - This force relates to government policies, regulations, and political stability. Economic - Economic forces encompass factors such as economic growth, inflation rates, interest rates, exchange rates, and unemployment levels.Social and Demographic - Social and demographic forces consider societal trends, cultural values, lifestyle changes, population demographics, and consumer behavior patterns.Technological - Technological forces pertain to advancements, innovations, and disruptions in technology.Each of these forces can have profound effects on businesses. Political and regulatory changes can introduce new opportunities or constraints for businesses to operate within.
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Which of the following is a positive externality?
Answer:
Research and development (R&D) conducted by a company can be a positive externality. R&D increases the private profits of a company but also has the added benefit of increasing the general level of knowledge within a society. Similarly, the emphasis on education is also a positive externality.
Explanation:
Choosing a beautiful design for a building will give benefits to everybody in society. Education or learning new skills. With better education, you are more productive and can gain more skills. But, also the rest of society benefits from your new skills
Your big brother has decided that he wants to get into the
workforce relatively soon and doesn't want to pursue a 4-year
degree. He is considering a career as a paralegal. While
browsing job postings for paralegals in the area he notices that
most firms are requiring candidates to have an associate's
degree or a certification. Based on the information in the table
below, which option is best for your brother and why?
The answer is based on the table Work study which includes 6 weeks of certification program and 2 years in community college is best for the brother.
The reason is because he doesn't want to pursue a 4-year degree and most firms require candidates to have an associate's degree or a certification.
Therefore, work study is best option as it fulfills his requirement for certification and college within a limited time period.
What is certification in plain English?Certifications are special qualifications there by an individual to show their validity and capacity to carry out a task. Your certification is shown as a document that certifies that, as a professional, you have received the necessary training, education, and preparation to fulfill the requirements of your position.
What are the three different certifications?A certification might be of one of three broad forms. Corporate (internal), product-specific, and profession-wide are listed in order of development level and portability.
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Derived demand for b2b products ultimately depends on demand by whom?.
The derived demand for B2B products ultimately depends on the demand of consumers or end-users of the products. Derived demand refers to the demand for goods or services that are essential to the production of another good or service. It's derived from the ultimate demand for goods and services.
The B2B environment is a market where businesses trade with each other. B2B demand is determined by the level of demand for goods and services required to produce consumer goods or services. So, in B2B marketing, the demand for products is determined by the demand for goods and services that are essential for the production of other products or services. In other words, if the demand for consumer goods and services grows, the demand for B2B products and services will grow as well.
And if the demand for consumer goods and services falls, the demand for B2B products and services will decrease as well. Hence, the derived demand for B2B products ultimately depends on the demand of consumers or end-users of the products.
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Tari is a human resource manager at a software company. She receives a call from an HR manager at another software company asking about Misha, a software engineer who used to work at the company and has applied for a job at the caller's company. Tari checks the company's records and sees that a co-worker had accused Misha of racial discrimination, but an investigation did not turn up any evidence to support the charge. Misha left the company two months later, saying she was no longer comfortable there. Tari is concerned about sharing the details of this situation with the caller. If telling the information to the caller leads to the other company not hiring Misha, what potentially unlawful behavior could Misha accuse the company of engaging in
The potentially unlawful behavior that Misha could accuse the company of engaging is Defamation or Misrepresentation
Defamation occur when a person give out wrong information or misleading information about another person that may damage the reputation of the person.
Based on the give scenario there was no any form of evidence to support the charge that Misha was a racial discriminatory.
Which means that if Tari shared what transpired with the caller it my damaged Misha reputation which will inturn may affect her career.
Assuming Tari later explained what transpired to the caller which leads to the other company not hiring Mirah it means Tari has engaged in unlawful behavior of tarnishing Misha reputation hence, Misha could accuse the company of engaging in defamation of character.
Inconclusion The potentially unlawful behavior that Misha could accuse the company of engaging is Defamation or Misrepresentation.
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Which term refers to checks that have been written but not been cashed?
Group of answer choices
direct deposit checks
outstanding checks
cancelled checks
signature checks
Answer: ill help you
Explanation:
answer this question plz n thank you. (posted the 1st n 2nd question. gonna post 2 other ones.)
3. Many jobs in the Personal Services pathway—such as hairdresser, personal trainer, massage therapist or barber—involve caring for people’s physical needs. List two important qualities that might be needed for success in these kinds of careers and explain how each of the qualities you mentioned are important to finding success in this field.
Answer:
Confidece, and empathy.
Explanation:
Confidence to know you will do great at your job, and empathy to know how others feel about themselves!
Hope this helps! Brainliest plz!
A reasonable business owner should purchase insurance to cover a possible
negative event when:
A. the calculated risk value of the event is especially low.
B. the risk of the event is high and the impact of the event is low.
C. the risk of the event is high and the impact of the event is high.
D. the risk of the event is low and the impact of the event is low.
Answer:
C
Explanation:
C. the risk of the event is high and the impact of the event is high.
A reasonable business owner should purchase insurance when "the risk of the event is high and the impact of the event is high". The correct option is C.
It aligns with the principle of risk management, ensuring that significant risks with substantial consequences are adequately mitigated. Insurance serves as a safety net is shielding the business from financial devastation in case of such high-risk, high-impact events.
This proactive approach aids in maintaining business continuity, safeguarding assets, and minimizing disruptions. To opting for insurance when facing significant risks underscores prudent risk assessment and strategic planning which are essential components of responsible business management.
Therefore, the correct option is C.
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PLEASE HURRY PLASE ANSWER THE 3 QUESTIONS
An Automatic teller machine is used for _________ cash from a __________ or getting a _____________ from a _____________________.
________________ requires a customer to authorize preset amounts to pay monthly expenses.
after 2 days, if you lose your credit card you can be liable for _____________ of unauthorized use for up to ________ days. if you reported within the frist two days you only liable for _______
An Automatic teller machine is used for withdrawing cash from a bank account or getting a balance inquiry from a bank account.
What is a bank account?A bank account is a financial account that allows individuals, businesses, and organizations to deposit and withdraw money through a bank or financial institution. These accounts offer various features and benefits, such as interest on deposited funds, access to loans and credit cards, and online banking services. There are different types of bank accounts, such as savings accounts, checking accounts, money market accounts, and certificates of deposit, each with its own unique features and restrictions. To open a bank account, individuals typically need to provide personal identification documents and other necessary information to comply with regulatory requirements. Bank accounts are essential for managing finances, paying bills, and saving money, and they play a vital role in the economy by facilitating transactions and lending.
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The management of garden naturally has determined a number of questions it wants the database management system to answer. You must obtain the answers to these questions Note: Use the database modified in Lab 1 of Module 1 for this assignment, or see your instructor for information on accessing the required files. How would you modify the quesry in step 7 to include only sales reps that currently customer?
Without the specific database and query from Lab 1 of Module 1, we cannot provide a specific modification to the query in step 7 to include only sales reps that currently have customers.
However, the general approach to achieve this modification would be to add a condition to the query's WHERE clause that filters for sales reps who have at least one customer.
This can be done by joining the Sales Rep table with the Customer table and filtering for non-null customer records, or by using a subquery to select only sales reps with customers before joining with the other tables.
The exact syntax and query structure would depend on the specific schema and data of the database being used.
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From each paycheck of your afterschool job, you’re able to save $45 toward the coat. You get paid twice a month. How many months will it take you to save enough money to buy your North Face jacket.
Answer:4
Explanation:The total in 4 months would equal 360
4 months will it take you to save enough money to buy your North Face jacket.
Saving per month based problem;What information do we have?
Amount save per paycheck = $45
Amount of jacket = 350 (Missing data)
Amount save per month = 2 × Amount save per paycheck
Amount save per month = 2 × 45
Amount save per month = $90
Number of months need = 350 / 90
Number of months need = 3.88
Number of months need = 4 months
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Need help ASAP. Will mark brainliest
Answer:
click the top on and the socond option
Explanation:
Drag each label to the correct location on the image.
A program known as a perpetual inventory system continuously estimates your inventory using electronic records rather than a physical inventory. This system starts with a physical count as the baseline and adjusts based on inbound and outbound purchases and shipments.
With an example, what is a perpetual inventory system?Your inventory balances are always tracked by a perpetual inventory system. Refreshes are consequently made when you get or sell stock. Your inventory accounts are immediately updated with all purchases and returns. A perpetual inventory system, for instance, might be used by a grocery store.
Do you use LIFO or FIFO for perpetual inventory?In perpetual FIFO, the first (or earliest) expenses are deducted from the Inventory account first and credited to the Cost of Goods Sold account last. The cost of goods sold and the cost of ending inventory will therefore be the same for both the perpetual and periodic FIFO cost flows.
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When making decisions, managers often must decide between doing what is beneficial for the firm in the short term, and what is beneficial for both the firm and society in the long term. To address this conflict, a firm must
When making decisions, managers are often faced with a conflict between what is beneficial for the firm in the short-term and what is beneficial for both the firm and society in the long-term.
This conflict arises because the actions that benefit the firm in the short-term may not necessarily align with the interests of society as a whole, which can lead to negative consequences for both the company and society in the long-term.
To address this conflict, a firm must adopt a long-term orientation and consider the broader social and environmental impacts of its decisions. This means looking beyond immediate financial gains and recognizing that actions taken today can have far-reaching implications for the company's reputation, customer loyalty, employee morale, and overall sustainability.
Firms that prioritize social responsibility and sustainable business practices are more likely to build strong relationships with stakeholders, including customers, employees, investors, and regulators. They are also better equipped to weather economic downturns and other disruptions, as they have diversified their risk and invested in building resilient supply chains and communities.
Ultimately, the key to addressing the conflict between short-term gains and long-term benefits is a commitment to corporate social responsibility (CSR) and sustainable business practices. By prioritizing the needs of society and the environment alongside those of shareholders, firms can create value for all stakeholders over the long-term, ensuring their continued success and impact.
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.5 In IT projects, quality controls are crucial to ensure fitness for purpose of the endproduct. Briefly argue the need and relevance of a project quality plan, then state and justify at least three relevant tools and/or techniques necessary to ensure quality control for this project.
The need and significance of an undertaking quality arrangement in IT projects couldn't possibly be more significant. A venture quality arrangement fills in as a guide for accomplishing and keeping up with the ideal degree of value in the final result. It frames the quality targets, norms, and cycles that should be followed all through the task's lifecycle.
The following are three pertinent apparatuses and methods important to guarantee quality control in an IT project, alongside their avocations:
Test-driven improvement (TDD): TDD is a product improvement approach that stresses composing mechanized tests prior to composing the genuine code. By following TDD, designers can guarantee that the code meets the normal usefulness and breezes through the predefined assessments.
Code surveys: Code audits include having other colleagues survey the code composed by a designer to distinguish expected issues, guarantee consistence with coding principles, and give input to progress.
Client acknowledgment testing (UAT): UAT includes testing the product with end-clients in a genuine or mimicked climate to guarantee that it meets their necessities and assumptions.
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As children, we just have one or two things, but as adults, we have a complete bag of balls that we are attempting to maintain in the aif. Consider all the roles you may be playingwife, mother, daughter, employee, student, military spouse fwhich, while technically a "wife" role, has its own unique issues, so I think we can call it out individuallyl. PTA member, church conmittee chair, blopeer, bock dub member, etc. In addition, the upcoming holiday saason will make you further busier. Last year, during the fall I was attending classes and learning a new job which was very complex. Being a full-time student along with working a full-time job can be chatlenging. Being able to balance work and school can be challenging because i feel like l've been prioritizing work above study. I need to earn money for school, so I must work. For scholarships and decent grades, I still need to continue my education. College is largely dependent on finances. You cannot obtain an education without money. In my case, not working will prevent me from having money or a good education. But I have found that being organized can make it a bit better. However, when learning a new job that is complex you can tend to get overwhelmed. Which happened to me, I felt like every time I completed an assignment at school that was difficult and time-consuming. I was faced with even a more difficult task at work. At times I felt like giving up and hiding trom the world and my responsibilities. The painful reminders that there Through completing the Business Writing Assignment, you constructed a workplace document and engaged in the writing process by taking your instructor's feedback and employing it to improve your assignment. It is important to take time to reflect on your own writing process to hone the process and use it to empower you to improve your process over time. Locate your Business Writing Assignment and evaluate what you wrote. Since this is a reflection, you can include your emotions and reactions, and use the first person ("I′′ ) to write your reflection. In a 550-word reflective response, complete the following elements:
- Discuss your experience writing your assignment, reviewing your instructor's initial feedback, and revising your response.
- Explain some of your writing process and what you thought worked well. - Also, detail some of what in your process you will look to improve for next time.
Writing the Business Writing Assignment was a challenging yet valuable experience. Receiving and implementing feedback from my instructor helped me improve my work, and I realized the importance of reflection and continuous improvement in my writing process.
Writing the Business Writing Assignment was a journey that involved multiple stages. Initially, I invested time and effort into constructing a workplace document, aiming to meet the assignment requirements. However, it was the process of reviewing my instructor's initial feedback that truly enhanced my understanding and propelled me towards improvement.
By carefully considering the feedback, I gained valuable insights into the strengths and weaknesses of my writing. It allowed me to identify areas that required refinement, such as clarity, organization, or the inclusion of specific details. Armed with this knowledge, I embarked on the revision phase, diligently incorporating the suggestions and making necessary adjustments.
Throughout the writing process, I found certain aspects of my approach to be effective. For instance, I appreciated the value of planning and outlining before diving into the actual writing. This allowed me to structure my ideas and ensure a logical flow in the document. Additionally, seeking feedback from peers or colleagues provided valuable perspectives and helped me fine-tune my work.
However, I recognize the need for improvement in certain areas of my writing process. One aspect I aim to enhance is time management. As the assignment coincided with a busy period in my life, I realized the importance of allocating dedicated time for writing, revising, and incorporating feedback. Improving this aspect will ensure a more balanced and efficient writing process in the future.
In conclusion, the experience of writing the Business Writing Assignment, coupled with the invaluable feedback from my instructor, taught me the significance of reflection and continuous improvement. Through careful analysis of my writing process, I identified strengths to build upon and areas to refine, emphasizing the importance of time management and seeking constructive feedback for future assignments.
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a single dwi conviction can cost a driver up to ____.
our self-talk consists of words pictures and emotions. as we imprint our affirmations we
Self-talk is your inner voice or the way you speak to yourself. Although you almost probably are doing it without realizing it, you almost certainly are. In order to produce an internal monologue throughout the day, this inner voice mixes conscious thoughts with ingrained beliefs and biases.
What are the four categories of self-talk?Your inner discourse is known as self-talk.
Personalizing. You own all of the guilt for yourself.
Magnifying.
Catastrophizing.
Polarizing.
What are the five tiers of one's own self-talk?Helm Stetter outlines the "Five Levels of Self-Talk" (Negative Acceptance, Recognition and Need to Change, Decision to Change, The Better You, and Universal Affirmation) and offers advice on how to navigate each level for significant life changes.
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How important is money
Answer:
very important
Explanation:
money is a global income source for everyone. we all have different types but it is all still money. now say one country got rid of money and had people pay for stuff using other things. if china did that lots of different countries wouldn't be able to get stuff from there unless they had so much of that product they could just give it up.
Suppose that the local daily demand for iced coffee drinks is given by the demand function: Q=300-25P, where P is the price of an iced coffee drink.
a. Construct this demand curve in black. Place the quantity of iced coffee drinks demanded on the horizontal axis and the price of an iced coffee drink on the vertical axis.
b. Suppose that iced coffee drinks are a normal good, and that consumers’ incomes fall. The demand for iced coffee drinks decreases by 50 units at every price. What is the new demand function (i.e., equation)?
c. Suppose that iced coffee drinks are a normal good, and that consumers’ incomes fall. The demand for iced coffee drinks decreases by 50 units at every price. Construct the new demand function in blue.
a. To construct the demand curve, we can first use the demand function provided, Q=300-25P. To plot this on a graph, we can plug in different values of P to find the corresponding values of Q. For example:
When P = 0, Q = 300-25(0) = 300
When P = 1, Q = 300-25(1) = 275
When P = 2, Q = 300-25(2) = 250
We can plot these points on a graph with Q on the horizontal axis and P on the vertical axis, and connect them to form the demand curve.
b. The new demand function would be Q = 250-25P.
c. To construct the new demand function in blue, we can start with the same process as before, using the new demand function, Q = 250-25P.
For example:
When P = 0, Q = 250-25(0) = 250
When P = 1, Q = 250-25(1) = 225
When P = 2, Q = 250-25(2) = 200
We can plot these points on the same graph as before, but this time use blue color to distinguish it from the previous demand function.
What is cold calling?
A. Calling people who have not shown interest in the product and asking them to buy it
B. Performing customer profile surveys over the telephone
C. Calling competitors and pretending to be a potential customer
D. Asking past customers whether they are satisfied with the product
Answer:
Explanation:
It's A and it is very hard to do. You are talking to someone whom you don't know and interrupting their day when they might be expecting someone important to them to be calling.
The others might be describing something, but it is not cold calling.
D is a survey
C is potentially a hazard. If the competitor ever finds it out, you can be in a pile of trouble.
B might be a cold call. It might be the reason for making a cold call, but you have to define the term more generally.
What is the difference between division of labour and specialisation?
Answer:
Specialization refers to an individual while division of labor is social or refers to society (the aggregation of individuals). Division of labour is the separation of the production process into different operations, from intellectual to manual, from each process in a production line, from country to country, etc.
What is the act of gathering information relative to a company's action and the factors that affect the space in which the company operates?
Choose the best answer to the following question. Explain your reasoning.
In the savings plan formula, assuming all other variables are constant, what happens to the accumulated balance in the savings account?
_________________________________
A. It increases as APR decreases. As APR decreases, the amount of interest paid will be less. Therefore, more accumulated savings will be made.
B. It increases as n increases. As n increases, the denominator decreases and the exponent in the numerator increases. This makes the accumulated balance increase.
C. It decreases as Y increases. As the exponent, n, in the numerator increases, Y must decrease to keep the formula true.
D. It increases as n increases. If less payments are made per year, more money will be saved.
E. It decreases as Y increases. As the amount of years of saving increases, the accumulated savings decrease.
F. It increases as APR decreases. As n increases, APR over n decreases causing the accumulated balance the increase.
D. It rises as n rises. More money will be saved if fewer payments are made each year. Assuming that the other variables in the savings plan formula are constant.
Describe accumulated savings?The amount you can save or invest over time, as well as the interest that has accrued, are both included in your accumulated savings. When your balance rises, even a very modest interest rate will start to add up, allowing you to save more than you might think.
What kind of savings account earns interest?You can receive income on your savings with these accounts, which are also known as money market savings accounts or MMSAs. Rates are often higher than those of standard savings accounts, and some provide interest
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Bonds issued by raxin accounting have a total yield of 11.4% annually, while raxin accounting stocks have a total yield of 14.4% annually. if you invest $2,600 in raxin accounting bonds and $2,000 in raxin accounting stocks, which investment will have a greater return after nine years, and how much greater will it be? a. the bonds will show a profit that is $75.60 greater than that of the stocks. b. the bonds will show a profit that is $67.60 greater than that of the stocks. c. the stocks will show a profit that is $8.00 greater than that of the bonds. d. the stocks will show a profit that is $524.40 greater than that of the bonds.
If amounts of $2600 and $2000 are invested in raxin accounting bonds and stocks respectively, bonds will give a return over such investment that is more than $158 compared to that of stocks.
What is return on investment?Using the given information, it can be calculated that the returns generated by bonds over an investment of $2600 for nine years will be $6870; whereas that for stocks will be $6712 for an investment of $2000.
\(\rm Better\ Return\ on\ Investment= Returns\ over\ Bonds – Returns\ over\ Stocks\\\\\rm Better\ Return\ on\ Investment= 6870-6712\\\\\rm Better\ Return\ on\ Investment= \$158\)
Hence, it has been computed that bonds have a generated a better return on investment at the rate of 11.4 percent for a period of nine years that is more by $158 than that of returns by stock investments.
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Answer:
Its A) 75.60 greater than that of stocks
Explanation:
ON EDGE
Ralph is a 70-year-old retired fireman with no dependents. He wants to invest in an annuity that will produce a steady stream of income that begins now and continues throughout his life. He has $175,000 to invest and wants to receive the most income he can every month. Which of the following is the most suitable annuity for Ralph based on his objectives?
A fixed income annuity with a 10 year term certain.
A variable annuity with a guaranteed death benefit.
A longevity annuity.
An immediate, single-premium life annuity.
(D) An instant, single-premium life annuity is the best kind of annuity for Ralph given his goals.
What is an annuity?The purpose of an annuity, a long-term investment provided by an insurance company, is to lessen your chance of outliving your income.
Our purchase payments (what you give) are transformed into recurring payments that may last a lifetime through annuitization.
Regular savings account deposits, mortgage payments, insurance premiums, and pension payments are all examples of annuities.
The periodicity of payment dates allows for the classification of annuities.
So, Ralph's objectives dictate that an instant, single-premium life annuity is the best type of annuity for him.
In comparison to a single-life annuity, a fixed-income annuity with a 10-year term certain will have a lower monthly benefit.
The monthly benefit will be less with a variable annuity with a guaranteed death benefit, and there will be risk associated with the monthly payment.
Typically, a longevity annuity doesn't start paying out until age 85.
Therefore, (D) An instant, single-premium life annuity is the best kind of annuity for Ralph given his goals.
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Complete question:
Ralph is a 70-year-old retired fireman with no dependents. He wants to invest in an annuity that will produce a steady stream of income that begins now and continues throughout his life. He has $175,000 to invest and wants to receive the most income he can every month. Which of the following is the most suitable annuity for Ralph based on his objectives?
a. A fixed income annuity with a 10 year term certain.
b. A variable annuity with a guaranteed death benefit.
c. A longevity annuity.
d. An immediate, single-premium life annuity.
Savers are hurt by unanticipated inflation because:
-as prices decrease, the real value of savings increases
-as prices rise, the real value of savings decreases
-as prices rise, the real value of savings increases
-as prices decrease, savers have more money to spend
Savers are hurt by unanticipated inflation because as prices rise, the real value of savings decreases. The correct option is B.
This is because inflation reduces the purchasing power of money; when prices rise, the same amount of money is worth less than before. In other words, a saver's money will not buy as much goods and services.
For example, if prices rise by 5% in a year, and a saver had $100 in the bank, their money would now only be worth $95 in purchasing power.
This is due to the fact that inflation reduces the purchasing power of money over time, and so the amount of goods and services that can be purchased with a certain amount of money declines with inflation.
Therefore, savers who have accumulated funds in savings accounts, bonds, or other fixed-income assets will see the real value of their savings decline as prices rise, and this can lead to a decrease in the standard of living and financial security.
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Complete question:
Savers are hurt by unanticipated inflation because:
A. as prices decrease, the real value of savings increases.
B. as prices rise, the real value of savings decreases.
C. as prices rise, the real value of savings increases.
D. as prices decrease, savers have more money to spend.